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Your vehicle is a significant investment. If you want to protect it, you need to know about the potential risks so that you can invest in the right kind of insurance. For example, a flood can cause significant damage to your vehicle that can be costly without adequate financial protection. Here’s what to know if your car has been damaged in a flood.

A Guide to Flood Damage & Car Insurance

What should I do immediately after a flood?

Don’t try to start the car. If the electronic components are comprised, you could be electrocuted.

Instead, conduct a visual inspection of the vehicle. Remove any personal belongings from the interior and take note of any issues that are immediately apparent. 

What kind of damage can flooding cause?

insuranceIn most cases, the damage caused by flooding will fall into one of two categories: structural or electronic. For example, if the water seeps into the floorboards of the car and causes the body to rust, that’s structural. Conversely, if water gets into the engine and compromises the computer, the car won’t be able to start, which is an electronic issue. 

Is flood damage covered by car insurance?

The vehicle is protected if you have comprehensive coverage as part of your policy. This kind of coverage protects you against damage that occurs outside of a traditional accident, such as a hurricane. If you don’t have this kind of coverage, you won’t be able to file a claim with your insurer. 

How much will I receive for my car’s damage? 

Insurance companies provide payouts in one of two ways. The first involves paying you for the cost of the damage if the car is salvageable. If it’s not, you’ll be paid for the value of the car.

 

If you need help protecting your vehicle against flood damage, talk to the professionals at Farm Bureau Insurance in Blountstown, FL. With more than 70 years of experience serving the Florida Panhandle and a broad range of policy options, they heave the expertise and insight needed to help keep your valuables safe. Learn more about them by visiting their website, or call (850) 674-5471 to request a quote today.

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